Insurance

Many people think life insurance is complicated. But at its heart, it’s very simple.

Life Insurance is your children being able to stay in school; your family keeping their home; and your partner being able to live the life you've planned together. That's what CWM is really about: protecting the ones you love and the choices and options you've worked hard to create.

This cover will pay you a lump sum in the event of your death or diagnosis of a terminal illness. The amount you will need will depend on your own personal circumstances such as level of debt, income and your children’s education funding requirements.

This cover will pay you a lump sum in the event that you were to become disabled and unlikely to ever work again. Like life insurance, this benefit could be used for the repayment of debts and education funding but would also assist in medical expenses, home modifications etc.

Your ability to earn an income is your greatest asset. Income protection cover will pay you a replacement income of up to 75% of your income if you are not able to work as a result of an accident or illness. This is paid after a waiting period and for a specified time period; both of which are chosen when taking the policy depending on your circumstances.

Also known as Critical Illness, this will pay you a lump sum on diagnosis of a specified illness such as cancer, heart attack and stroke. This benefit will help ease your financial worries at a time when you need to spend time recovering.

This cover is usually attached to your own Trauma policy and can provide you with the financial freedom to cover medical expenses or to take time off work to care for a sick child who has been diagnosed with a critical illness.